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Buying or building your home can be one of the largest investments you will ever make during your life.  Here are a few incentives and programs that may help you along the way:

Referral Program - Refer a friend and receive $300!

Receive $300 For Your Referrals

Refer a friend and receive $300 for each completed mortgage transaction.

  • Referral Information

  • Your Information

  • Referral Program Disclosure

Second Mortgages - No payments for 12 months!

Being a homeowner has its advantages.  Get the money you need now with the affordability you want.  Let our family help your family!

  • Second mortgages up to $200,000
  • No payments for 12 months
  • Fixed interest rate at 8.99%
  • Simple application
  • 48-hour approvals
  • No appraisal required
  • Open loan with no prepayment penalty

Call today to book an appointment or complete an application over the phone.  You can also fill out our online application.

Note: All mortgages and loans are subject to borrower qualification. Rates and terms are subject to change without notification.

Private Mortgages - No payments for up to 6 months!

Most Canadians have heard of private mortgages but have little knowledge of what they actually are or how they work. Private mortgages can be an alternative source of financing for borrowers with credit, employment, or income issues. Private mortgages usually have a higher interest rate due to the higher risk involved in the investment. Private mortgages don’t have to be scary and we understand that sometimes you just need a break!

First Mortgage Rates as low as 5.99%
No Payments for up to 6 months!*

Reasons why you might need a Private Mortgage:

  • Bruised credit score
  • House is under power of sale
  • Large amount of property tax arrears
  • Recent discharge from bankruptcy or consumer proposal
  • Inability to prove sufficient income
  • Recently started new employment
  • Temporary job loss

Note: All mortgages and loans are subject to borrower qualification. Rates and terms are subject to change without notification.

First-Time Home Buyer

Congratulations if you are a first time homebuyer! Purchasing a home is generally considered the single largest investment most people will make in their lifetime. The first step in buying your first home is to find out how much you can afford. Our mortgage calculator can help in estimating the costs for purchasing a new home.

Before it is time to go looking for a home, we highly recommend that you get a mortgage pre-approval. Pre-approval for a mortgage will likely help you secure a better interest rate on your loan as well as establish the confidence that when you do find a home you want to purchase, you will have the financing in place to make a serious offer.

Below is a list of great programs, rebates, and tax credits available to Canadians to help reduce some of the costs involved in buying your first home:

  • First Time Homebuyers Tax Credit
  • RRSP Home Buyers Plan
  • Ontario Land Transfer Tax Credit

Co-Borrower Release Program

Who is the Co-Borrower Release Program Suitable For?

The co-borrower release program is suitable for clients who may not qualify for a mortgage on their own merit, but anticipate being in a better position within a year or so, because they expect to pay off a large loan balance or rebuild their credit in that period, for example:

  • Young borrowers that have short job tenure and short credit history
  • Clients with minimal or challenged credit
  • Clients with a solid credit history but an insufficient GDS/TDS ratio
  • Co-borrowers who don’t want their credit tied up for a long period of time

What are the Co-Borrower Release Program Details?

Upon mortgage approval, the co-borrower will be named on the property title. Release of the co-borrower will be considered after 12 consecutive monthly payments have been paid in full and on time. Upon written request, the lender will review the file to consider the release of the co-borrower or guarantor. Prior to releasing the co-borrower from debt obligation, the primary borrower must first qualify on their own merit under the mortgage lender’s guidelines.

Primary Borrower

May benefit from the use of a co-borrower to:

  • Mitigate minimal or challenged credit
  • Provide the income level necessary to qualify for a mortgage
  • Own property and simultaneously rebuild credit
  • Maintain the mortgage and stay on title without having to refinance once the co-borrower is released
  • Take advantage of a longer term mortgage


The co-borrower release program:

  • Frees the co-borrower from debt obligation after 12 months
  • Allows more flexibility to arrange their other financing needs – once released, the co-borrower’s TDS ratio will no longer be affected